Okay, we are given 3195 and 7728. Let's add them up step by step.

Step 1: We'll start by adding the digits 5 & 8 in column 1 and get 13.
We'll write down the last digit 3 and carry the 1 to the next column.

Step 2: We'll start by adding the digits 9 & 2 in column 2 and get 12.
We'll write down the last digit 2 and carry the 1 to the next column.

Step 3: We'll start by adding the digits 1 & 7 in column 3 and get 9.

Step 4: We'll start by adding the digits 3 & 7 in column 4 and get 10.
We'll write down the last digit 0 and carry the 1 to the next column.

So, 3195 + 7728 = 10923.

